Director, Agriculture and Small Business

Your Neighbourhood Credit Union Limited; Mitchell; Hybrid; CAD 125,000 - 133,000; Full time

Benefits offered by this job

B Corp Certified

Competitive compensation

37.5h week

Pension match

Benefits paid by employer

Wellness programs

Training & development

Volunteer opportunities

Free banking

Employee discounts

Job summary

Your Neighbourhood Credit Union Limited in Mitchell, ON, is seeking a Director to lead Agriculture and Small Business. This hybrid, regular full-time role focuses on strategy, lending performance, portfolio quality and member growth across agriculture and small business sectors.

The role requires deep lending expertise, relationship leadership, market development, and the ability to travel across YNCU's market.

Qualifications

• Post-secondary education in Agriculture, Business, Finance, Commerce or a related discipline.
• Significant progressive experience in agricultural and/or commercial lending, account management and portfolio leadership.
• Deep experience in agricultural lending and understanding of Ontario's agricultural sector.
• Strong experience in financial statement and cash flow analysis, credit structuring.
• Understanding of regulatory requirements and risk controls in a regulated financial institution.
• Proven success in business development and lending growth.
• Leadership experience including coaching and developing lending professionals.
• Willingness to travel regularly throughout YNCU's market.

Responsibilities

• Identify target markets and develop growth plans to expand presence within agriculture and small business.
• Lead lending and portfolio management, ensuring performance and risk controls.
• Develop relationships with agricultural producers, small business owners, accountants and lawyers.
• Represent YNCU at industry events and community activities.
• Collaborate with internal teams to deliver a coordinated member experience.

Skills

Agricultural lending

Small business lending

Credit analysis

Relationship management

Leadership

Strategic planning

Education

Post-secondary education in Agriculture

Job description

Director, Agriculture and Small Business

Mitchell ON, and area (hybrid)
Regular Full-Time

Posting#: 26-82
Location: Hybrid, Mitchell
Reportsto: Chief CommercialOfficer

Areyou a community-minded person that’s passionate about investing locally andgiving back to your community? Do you like working with other awesome andlike-minded people toward a common goal?

Hereat Your Neighbourhood Credit Union (YNCU), we are all about putting our moneywhere our mouth is and keeping our dollars local and investing back into ourmembers, staff, and community; and we are looking for people like you to joinour team.

The Role
TheDirector, Agriculture & Small Business, is responsible for leading thestrategic growth and development of YNCU's Agriculture and Small Businessportfolios, with accountability for business strategy, lending performance,portfolio quality, member growth, relationship management and team leadership.The Director, Agriculture & Small Business will develop and execute acomprehensive Agriculture and Small Business strategy focused on attracting newlending opportunities and members, deepening existing relationships, increasingshare of wallet, and expanding YNCU's presence within the agricultural andsmall business communities.

Akey mandate of this role is to build and expand YNCU's agriculture and smallbusiness models, identifying opportunities to strengthen capabilities,process, market presence and financial solutions while creating a scalableapproach that support sustainable growth across both segments.

Thesuccessful candidate will bring strong experience in agricultural and smallbusiness lending and account management, complemented by commercial and creditexpertise, a thorough understanding of risk and the regulatory environment, anda proven ability to develop business, identify market opportunities and leadhigh-performing teams.

Thisis a highly visible, market-facing leadership role requiring regular day-to-daytravel throughout YNCU’s market to meet members, prospects, agriculturalproducers, small business owners and community partners. The role will beresponsible for deepening relationships, growing the portfolio andstrengthening YNCU’s presence and reputation as a trusted financial partner toboth agriculture and small business communities.

Agriculture & Small BusinessStrategy and Growth

• Identify target markets, sectors and opportunities for growth and develop plans to increase YNCU's presence within those markets.
• Establish measurable objectives for lending growth, new members, portfolio quality, profitability and relationship depth.
• Monitor economic, agricultural, competitive and market trends and translate insights into actionable strategies.
• Identify opportunities to enhance products, services, processes and capabilities supporting agriculture and small business members.

Lending & Portfolio Leadership

• Provide leadership and expertise on complex agricultural and commercial credit opportunities, including financial analysis, cash flow, credit structuring, collateral and repayment capacity.
• Monitor portfolio performance, emerging risks, concentrations, delinquencies and other indicators and ensure appropriate action is taken.
• Ensure consistent standards for account management, annual reviews, documentation and portfolio monitoring.

Business Development & Member Grownership

• Build and maintain strong relationships with agricultural producers, small business owners and key centres of influence.
• Develop relationships with accountants, lawyers, industry associations, suppliers and other community and professional partners.
• Champion a consultative, relationship-based approach that increases member retention, share of wallet and overall relationship profitability.

People Leadership & Team Development

• Provide day-to-day leadership, coaching, direction and support to Agriculture Lending and Small Business Services enhancing credit and relationship management capabilities.
• Establish clear expectations and accountability for business development, portfolio management, member experience and risk performance.
• Foster a collaborative, high-performing team culture focused on member outcomes,
• Build the structure, capabilities and talent required to support the continued expansion of the Agriculture and Small Business.

Market & Community Leadership

• Represent YNCU at agricultural events, industry functions, community activities and other relevant forums.
• Develop a strong external network that generates new relationships, referrals and business opportunities.
• Bring market intelligence and community insights back to YNCU to inform strategy and business development.

Enterprise Leadership &Collaboration

• Partner effectively with Retail, Commercial, Wealth, Risk, Credit, Operations and other internal teams to deliver a coordinated member experience.
• Act as a subject-matter expert for Agriculture and Small Business on enterprise initiatives and strategic projects.
• Ensure the Agriculture and Small Business strategies are integrated with broader YNCU priorities.
• Lead change, continuous improvement and initiatives that improve member experience, operational effectiveness and business performance.

This position is for an existing vacancy within our team.

What we arelooking for:

• Post-secondary education in Agriculture, Business, Finance, Commerce or a related discipline.
• Significant progressive experience in agricultural and/or commercial lending, account management and portfolio leadership.
• Deep experience in agricultural lending and a strong understanding of Ontario's agricultural sector and its unique financial and operating characteristics.
• Strong experience in financial statement analysis, cash flow analysis, credit structuring, adjudication and portfolio management.
• Thorough understanding of agricultural and commercial credit risk, regulatory requirements, lending policies and risk controls within a regulated financial institution.
• Demonstrated success in business development, lending growth and new member acquisition.
• Progressive leadership experience, including coaching, developing and leading lending professionals.
• Demonstrated ability to develop and execute business strategies and translate strategy into measurable results.
• Experience within a credit union or other regulated financial institution is preferred.
• Agricultural, commercial lending or credit-related designations are considered an asset.
• Valid driver's licence and ability to travel regularly throughout YNCU's market.
• Must be bondable

Why work at YNCU?

YNCU employeesget to be a part of the growing credit union movement and help us get the wordout on why banking locally is so important. We’re your friendly, helpful, andfinancially savvy neighbour who provides tailored financial services to ourmembers, supports small businesses, creates local jobs, and gives back tocauses that matter. Through our Good Neighbours Employee Volunteer Program andMonthly Staff Donation Draws, we even let you choose the causes we donate toand support. YNCU is recognized for the following:

• B Corp Certified
• Competitive Compensation, Incentive Programs and Benefits
• 37.5-hour work week
• 7% matching pension
• Benefits are 100% paid for by YNCU
• Wellness Initiatives including our Employee and Family Assistance Program, premium membership for Calm, Consult+, and LIFT Virtual Fitness
• Training and Development Opportunities
• Community Sponsored Events Employee and paid Volunteer opportunities
• Opportunities to get involved with fun and meaningful committees
• Free banking account
• Discounted Employee Rates

Salary range: $125,000-$133,000
The compensation offered tothe successful applicant for this role will be determined by the candidate’srelevant skills and experience and internal equity. More information about ourtotal rewards package will be available during the hiring process.
YNCU strives to be a diverse workplacereflective of the communities that we live in. We are committed to a diverseworkforce and invite everyone to apply. YNCU makes hiring decisions solely onqualifications, merit, and business needs at the time.
YNCU is an equal opportunity employerthat is committed to diversity and inclusion in the workplace. We prohibitdiscrimination and harassment of any kind based on race, colour, sex, gender,religion, sexual orientation, national origin, disability, pregnancy, or anyother protected characteristic as outlined by national, provincial, ormunicipal laws. This applies to all employment practices within ourorganization, including hiring, recruiting, promotion, termination layoff, recall, leave of absence, compensation, benefits, and training.
Your Neighbourhood Credit Union willprovide accommodations for persons with disabilities, where needed, to supporttheir participation in our recruitment process. Please contact Human Resourcesat [e-mail].